Who Needs Medicare Part B Insurance?
Over the past several years, I have received endless questions about Medicare; but, probably, the most-asked question deals with Medicare Part B Insurance—more specifically: Do I need to enroll in Part B? The correct answer to this question—for you—is absolutely critical. For, if you don’t have the proper understanding to this query, it cost you a lot of money in penalties, premiums, and out-of-pocket costs. So, I applaud you for exploring the answer to this issue.

What Is Medicare Part B Insurance?

First of all, what is Medicare Part B Insurance? Part B (medical insurance) is part of Original Medicare and covers services and supplies that are medically necessary to treat one’s health conditions. This can include doctor charges (not only doctor office visits, but also doctor charges while an inpatient in the hospital), general outpatient care, preventive services, ambulance services, and durable medical equipment. (For more on how Part B covers medical costs, see the post “How Does Medicare Work?”)

While Medicare Part A has no premium for those who qualify for Medicare (U.S. citizens or legal residents who have resided in the U.S. for a minimum of five years and who have worked at least ten years in Medicare-covered employment), Part B has a premium of $174.70 for those entering Medicare in 2024. So, does everyone need to enroll in Medicare Part B Insurance?

Does Everyone Need to Enroll in Medicare Part B?

For most people turning 65, the answer is yes or face a late enrollment penalty. (The Medicare enrollment period includes three months prior to the month you turn 65, the month of, and three months following the month you turn 65.) This monthly penalty will continue as long as you have Medicare.

But for some, the answer is no. If you or your spouse (or family member if you’re disabled) are still working and you have insurance through that employer or union that does not work in conjunction with Medicare, you will likely not need to enroll in Medicare Part B Insurance. (This includes federal or state employment, but not military service (unless on active duty).) In this case, it may be to your advantage to delay Part B enrollment, as you will not need to pay the monthly Part B premium while covered on that company plan.

However, if your company coverage mandates that you enroll on Medicare Part B (as, in that case, your company insurance works in conjunction with Medicare coverage), it may be to your advantage to look at individual supplemental coverage—especially if you are not carrying a younger spouse on your coverage. If you will need to pay for the Part B premium on your company coverage, you may find that you can get better coverage for less money with an individual Medicare supplement.

To Discover What Insurance Coverage Is Best for You . . .

To find out what will be the best for you, make an appointment with an independent insurance agent / consultant who represents multiple companies (one who can shop for you). Certainly, a no-obligation meeting with an independent consultant will be worth finding out what will be your best option, as it could, potentially, save you a lot of money down the road.


January ShubertJanuary Shubert
13:50 08 Apr 24
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I have had excellent customer service.Claeys insurance company has helped me for several years now and he does a wonderful job setting me up with the right insurance that fits my needs .I really appreciate the job he does and Thank you again.
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00:34 03 Apr 24
Highly professional with attention to detail. Felt like John was genuinely interested in matching my needs to the various options.
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21:02 02 Apr 24
John was very pleasant and professional. Medicare can be very confusing. He had all the answers for me.
Beth HamillBeth Hamill
17:52 02 Apr 24
I am so thankful for John's help and kindness...he explains everything so clearly and I feel confident that he is truthful and finding the best plan for me.
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02:27 08 Feb 24
John was very helpful in guiding me through the medicare choices. He explained everything thoroughly and answered all my questions.
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23:31 07 Feb 24
Tonda SammonsTonda Sammons
21:26 07 Feb 24
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20:54 07 Feb 24
Mr. Claesy, was a pleasure to work with on just a short time table, my not paying attention to dates for Medicare changes! We really appreciated his response and meeting personally with us. We highly recommend him for your insurance needs. Thanks again for doing a wonderful service.
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KevinKevin
14:47 24 Jan 24
John is a very knowledgeable subject matter expert and is thorough in his approach. He takes time breaking down and explaining what can be a somewhat complex subject and helps makes it easier to understand! John always has the best interests of his clients guiding his recommendations. We have found John's advice to be extremely helpful and would recommend him to anyone seeking health insurance.
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Ingrid FauskeeIngrid Fauskee
23:21 17 Jan 24
I just got a Medicare plan through John Claeys. I was getting a lot of mail about Medicare and was so confused. Some friends told me about John so I emailed him and he contacted me right away.. He was amazing! He went through everything with me, he explained every detail and was so patient with all my questions . So grateful to him for all he did. Thank you John.😁
John Claeys helped me understand the in's and out's of Medicare. He found the best insurance and prescription plan to best suit my needs at an affordable price.Thank you John!Laurie Boriskie
Marsha AllenMarsha Allen
16:55 24 Oct 23
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